I wish they had embrace for people! Seriously, Embrace is the best. Once I met my deductible the reimbursements for covered expenses happen within 2 weeks of submitting a claim, every time. I know of NO other pet insurance that covers genetic conditions... being a purebred Lab owner that means hip issues could crop up in the future. No problems yet, but it feels good to be covered. Best 20 bucks a month I could spend.